Walking
the Talk

Wellness Coaching

As well as getting our clients to and through retirement, it is important to us that we are fit and healthy and able to enjoy the perks of a long fulfilling work life.

While we are not likely to retire at the age of 65 - and Carey intends to work as long as she is mentally able to, we want to make sure that we are fit and healthy into our old age.  We also need to be fit and healthy to enjoy all our overseas travel that we regularly undertake.

Sally Mellor is our in-house Wellness Coach, who works with each of our team members (and some of our clients), to keep us fit, healthy and as balanced as possible.  Sally is available to work with our corporate clients and our Membership Fee clients at subsidised rates, on your wellness and fitness programmes.

Investing, Saving and Insuring ourselves for our future

All Moneyworks team members (apart from Millie our moneybot), have financial plans in place, which incorporate our goals and objectives, KiwiSaver, investment plans and portfolios and insurance where it is available for us.

When we are researching an investment for our clients, where possible we will test it out in our own portfolios before coming to a final recommendation to add (or not add) the investment to our clients portfolios.

Our golden rule is 'do unto others as you would have them do unto you' and we place the values of trust, integrity and honesty very highly when inviting people to become a member of our team.

Responsible Investing, Ethical Investing, ESG Factors and Sustainable Investing

Helping our clients to understand that their investments are 'not doing bad' is important to us at Moneyworks. Research studies are increasingly showing that businesses that care about the Environment (E), Social (S) and their Governance (G) (ESG), are able to increase their returns to investors over time.  

ESG or responsible/sustainable/ethical investing is a different approach to the historic focus on short term profits at all costs, and along with our clients, we care that the businesses that we invest in care about these factors.


Moneyworks and our advisers are members of Responsible Investment Association Australasia (RIAA). Over the next 18 months, we are all pursuing the completion of the RIAA Certification, which involves completing the United Nations PRI (Principles of Responsible Investment) Academy courses and incorporating our learning into our business and investment processes.


While we already review  and monitor our fund managers approaches to ESG investing (which is also referred to at present as the interchangeable 'Responsible Investing', 'Sustainable Investing', 'Ethical Investing'), we believe that membership of RIAA and Certification will improve our processes and ability to understand what is actually happening in this area.


We look forward to sharing our knowledge, understanding and learnings with you in this rapidly changing area of investment expertise.

How do New Zealanders see their retirement future?

This survey of 15,519 adult New Zealanders was carried out from 2018 -2019 by the CCFC (Commission for Financial Capability - which was the Retirement Commissioner).  The Key Findings are: 1. MostRead more

The value of working with an adviser - new New Zealand research

The value of financial advice - Money & You research The Financial Services Council 2020 research project looked at how New Zealanders think about money and how it affects their decisions andRead more

Ethical Investing – how do we know what our fund managers are doing?

There are a number of factors that we take into account in our process, which will be built on over time. 1.    Are the Fund Managers Signatories to UN PRI and or/RIAA 2.    What publishedRead more

Ethical Investing – the different terminologies

Ethical Investing is the short hand for many different types of approaches to understanding what and how the companies that you are investing in are carrying out their business. Since the IndustrialRead more

Ethical Investing – Moneyworks approach

Since 2017 Moneyworks have been analysing the ‘ethical investing’ approach that the fund managers that we recommend take.  Having investments that don’t ‘do bad’ is important to us atRead more

Lost’ Australian Super – first steps to change legislation so that this can be transferred to a New Zealand KiwiSaver (thanks to Chapman Tripp)

Australian ‘unclaimed super’ money gap to be plugged (10th June 2020 – Brief Counsel) The Taxation (Annual Rates for 2020/21, Feasibility Expenditure, and Remedial Matters) Bill, introduced toRead more

Changes to KiwiSaver this year

There have been a number of changes to KiwiSaver this year.  Some of these changes took effect on 1 April 2020: · All members aged 65 years or over can make a retirement withdrawal ·Read more

Things you may not know about KiwiSaver

1.    Get regular withdrawals from your KiwiSaver to fund your retirement spending When you reach the age of eligibility for New Zealand Superannuation (currently 65), you can access yourRead more

What does the ‘KiwiSaver Retirement Projection’ on your KiwiSaver Statement mean?

If you are aged between 18 & 64, from this year, you will receive some more information on your annual KiwiSaver Statement.  This ‘Retirement Projection’ information is a legislativeRead more

It really isn’t possible to ‘time’ the markets – investors with $1.4 billion in KiwiSaver funds learned this in March

When we meet with our Membership Fee clients on an annual basis, we consider the risk profile that their investments are invested in.  As your life changes, this may change.  We encourage our nonRead more

Coronavirus world, economic outlook and investments

This is a newsletter that was sent out on Monday May 11th 2020, to Moneyworks Financial Planning and Investment Clients that we work with on an ongoing basis.  It has quite a lot of interestingRead more

FIF/FDR Tax Regime on Overseas Investments

If you are liable to this tax regime (Your adviser will have told you, and your tax report will have a section with calculations on it as shown below), it is IMPORTANT that you read this guidance.Read more
 

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